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Paul Merchants Ltd (PML)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 539113 NSE: PML Finance - Investment | Small Cap | Paul Merchants Share Price

₹492 5.00 (1.03%)

As on 25-Sep'26 16:59

Paul Merchants Ltd (PML)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 539113 NSE: PML Finance - Investment | Small Cap | Paul Merchants Share Price

₹492 5.00 (1.03%)

As on 25-Sep'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹152 Cr.
Current Price
₹492
52-Week Low / High
₹407 / 774
TTM EPS
₹-31.8
Book Value per Share
₹2,938.3
P/E Ratio
0.00
Lower than its 5-year historical median
Industry PE
54.7
Price to Book (P/B)
0.17
Lower than its 5-year historical median
EV/EBITDA
1.78
Lower than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
1.19%
Outperforms industry median
Return on Capital Employed (ROCE)
2.54%
Outperforms industry median
Return on Assets (ROA)
0.72%
Underperforms industry median
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
-38.23%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
2.75%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹2,061 Cr.
Reserves
₹903 Cr.
Equity
₹3.1 Cr.
Face Value
₹10
All Time Low / High
₹103.33 / 2065.00

Paul Merchants stock performance

Key Ratios
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Quality

Not Good
Check detailed performance

Valuation

Somewhat Undervalued

Check Valuation charts

Price Trend

Semi Strong
Check Price chart
Q.1 Is Paul Merchants Ltd a good quality company?
Paul Merchants Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

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We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

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How does Paul Merchants Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Paul Merchants Ltd vs Industry Peers?
Paul Merchants Ltd AUM CAGR is 11.94%, compared to the 5-year industry median CAGR of 9.58%, indicating faster growth and gaining its market share.
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Q.1 Promoter shareholding and pledge status of Paul Merchants Ltd?
Promoters hold 74.65% of the Paul Merchants Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Paul Merchants Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of -8.1% based on the current price.
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10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Paul Merchants Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Operating Income (₹ Cr.)2,8914,5424,8995,3582,9625,2816,9006,5023,3292,0562,032
YoY Gr. Rt. %-57.1%7.9%9.4%-44.7%78.3%30.7%-5.8%-48.8%-38.2%-
Adj EPS (₹ ) 41.269148.838.641.166.184.384.719.242.840.9
YoY Gr. Rt. %-1577.9%-92.9%-21%6.6%60.8%27.4%0.6%-77.4%123.2%-
BVPS (₹ )492.11,182.91,2321,269.31,310.61,376.61,460.31,544.31,562.81,605.81,608.6
YoY Gr. Rt. %-140.4%4.2%3%3.3%5%6.1%5.8%1.2%2.8%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)5.761.33.5334.65.24.91.12.50

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income-3.7%-7%-33.2%-38.2%
Adj EPS0.4%0.8%-20.2%123.2%
BVPS14%4.2%3.2%2.8%
Share Price -8.4% -2.6% -8.4% -28.7%

Key Financial Ratios

RATIOS \ YEARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Margins
Net Profit Margin (%)0.44.70.30.20.40.40.40.40.20.60.6
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)8.782.543.13.24.95.95.61.22.72.5

Valuation of Paul Merchants - Consolidated

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Financials

PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Income + 2,9034,7544,9305,4063,0435,3697,0156,5093,3382,116
Interest Income2,8914,5474,9175,4013,0355,3657,0116,5033,3352,074
Other Income ⓘ 1111113114
Exceptional Items ⓘ 122081358445343
Expenditure ⓘ + 2,8864,5344,9065,3692,9985,3146,9556,5023,3482,098
Interest Expense ⓘ 221251120221
Operating Expenses ⓘ 2,8844,5314,9045,3652,9935,3026,9316,4993,3452,092
Provisions 1111113114
Exceptional Items ⓘ -000-10-1-0-0-1-0
Profit Before Tax ⓘ 1622024364454606-1119
Taxes ⓘ 46291014168110
Profit After Tax 132142227344044-2-129
Adjusted EPS (₹)41.6692.671.685.5108.5130.3142.7177.1206.5871.5
Dividend Payout Ratio (%)0%0%0%0.80%0%0%0%0%0%0%
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Equity and Liabilities

Equity Capital +149351367393427467511565629897
Share Capital ⓘ 1.031.031.031.031.031.031.033.083.083.08
Reserves ⓘ 148350366392426466510562626894
Short term borrowings1722173379131208344146
Long Term Borrowings21-2-1-009914893
Current Liabilities 7510736601061802774404636
Trade Payables27844112723
Other Liabilities-44-30-21-37-80-132-211-352885-9
Total Liabilities ⓘ 2274724024535336478871,1531,585937

Assets

Non Current Asset +548695656465687365369
Loan Asset 0000000000
Other Non Current Asset ⓘ 548695656465687365369
Current Asset +1723863073884695828191,0811,520568
Current Investment81229855373024221258
Other Current Asset1642642093334325527951,0591,520310
Total Assets ⓘ 2274724024535336478871,1531,585937
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Cash Flow From Operating Activity ⓘ 18-27613-83-69-38-154-135448412
Cash Flow From Investing Activity ⓘ 1241-25732360-517-387
Cash Flow From Financing Activity ⓘ -52-6134241155143-471-14
Net Cash Flow ⓘ 14-34-184-4923-611
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Operational & Financial Ratios
EPS (₹)124.702,077.70214.80256.60325.40390.80428.10177.10206.50871.50
DPS (₹)0002000000
BVPS (₹)1452.23418.335743825.34151.44541.84968.51832.72039.22909.4

Performance Ratios

ROA (%)5.761.15.06.26.96.85.7-0.2-0.90.7
ROE (%)8.885.36.17.08.39.09.0-0.3-2.11.2
ROCE (%)11.082.16.69.510.511.811.30.9-1.12.5

Valuation Parameters

Price/Book(x)2.31.50.60.20.30.30.20.50.40.1

Top 5 Mutual Funds Holding

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Announcements

Paul Merchants Ltd FAQs

The current trading price of Paul Merchants on 25-Sep-2026 16:59 is ₹492.0.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 24-Sep-2026 the market cap of Paul Merchants stood at ₹151.7 Cr

The latest P/E ratio of Paul Merchants as of 24-Sep-2026 is 12.03.

The latest P/B ratio of Paul Merchants as of 24-Sep-2026 is 0.31.

The 52-week high of Paul Merchants is ₹773.9 and the 52-week low is ₹407.0.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Paul Merchants is ₹2,032 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Paul Merchants Ltd is a below average quality company.

The key valuation ratios of Paul Merchants Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Paul Merchants Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

About Paul Merchants Ltd

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